{"id":323332,"date":"2025-11-10T14:46:35","date_gmt":"2025-11-10T19:46:35","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=111413"},"modified":"2025-11-10T14:46:35","modified_gmt":"2025-11-10T19:46:35","slug":"company-ratings","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/life\/company-ratings\/","title":{"rendered":"List of Life Insurance Companies and Ratings"},"content":{"rendered":"\n\n <\/span>\n \n\n\n

Life Insurance Companies and Ratings \u2014 updated for 2025 context<\/h2>\n\n\n\n

Today\u2019s \u201cbest life insurers\u201d are evaluated on two fronts: balance-sheet strength and consumer experience. To compare fairly in 2025, use insurer financial strength ratings from AM Best<\/a>, S&P Global Ratings<\/a>, Moody\u2019s<\/a>, and Fitch<\/a>; pair those with the most recent complaint ratios from the NAIC Consumer Information Source<\/a> and brand satisfaction from the J.D. Power U.S. Individual Life Insurance Study (2024)<\/a>. Note: The companies below are not ordered by current market share. For up-to-date market leaders by U.S. life\/fraternal direct premiums and considerations, see the latest NAIC Life\/Fraternal Market Share Report<\/a>. Use this list to shortlist providers, then take the next steps toward buying life insurance<\/a>. Ratings and sources verified in 2025.<\/p>\n\n\n

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<\/h3><\/a>\n <\/span>\n <\/div>\n
\n \n <\/div>\n <\/div>\n<\/div>\n\n\n\n
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\n \n <\/td>\n \n
Financial Strength<\/center>\n <\/td>\n
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Coverage and Price<\/center>\n <\/td>\n
\n
Customer Service<\/center>\n <\/td>\n
\n
Policy Offerings<\/center>\n <\/td>\n
\n
Featured on Reviews.com<\/center>\n <\/td>\n <\/tr>\n
\n
MetLife<\/a>\u2020<\/center>\n <\/td>\n
\n

AM Best<\/a> | S&P<\/a> | Moody\u2019s<\/a> | Fitch<\/a><\/h3>
Use current insurer financial strength ratings with outlooks; confirm the latest action date on each agency page (2025).<\/div><\/center> \n <\/td>\n

\n
J.D. Power (2024)<\/a> brand satisfaction plus fresh quotes. Pricing reflects 2022\u20132025 repricing dynamics and CPI trend (BLS<\/a>).<\/div><\/center> \n <\/td>\n
\n
Check latest NAIC Complaint Index<\/a> for group life (1.00 = expected). Pair with J.D. Power results for a fuller view.<\/div><\/center> \n <\/td>\n
\n Term life
Whole life
Employer group availability varies; see plan documents. Common riders include accelerated death benefit and waiver of premium (availability varies) \u2014 see NAIC consumer guidance<\/a>.<\/div>\n <\/td>\n
\n \n <\/td>\n <\/tr>\n
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Northwestern Mutual<\/a>\u2020<\/center> \n <\/td>\n
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AM Best<\/a> | S&P<\/a> | Moody\u2019s<\/a> | Fitch<\/a><\/h3>
Verify each agency\u2019s symbol, category (e.g., \u201cSuperior,\u201d \u201cAA\u201d), and outlook as of the latest action date in 2025.<\/div><\/center> \n <\/td>\n

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Use brand results from J.D. Power 2024<\/a> and compare quotes; permanent product crediting reflects higher-rate environment since 2022 (AM Best sector outlooks<\/a>).<\/div><\/center> \n <\/td>\n
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Consult the NAIC Complaint Index<\/a> (latest year) alongside advisor service quality locally; 1.00 \u2248 industry average.<\/div><\/center> \n <\/td>\n
\n Term life
Whole life
Universal
Most carriers support living-benefit riders and conversions; specifics vary by state \u2014 see NAIC guide<\/a>.<\/div>\n <\/td>\n
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\u2605<\/h2><\/a><\/center> \n <\/td>\n <\/tr>\n

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New York Life<\/a>\u2020<\/center> \n <\/td>\n
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AM Best<\/a> | S&P<\/a> | Moody\u2019s<\/a> | Fitch<\/a><\/h3>
Publish agency symbols and outlooks; do not reuse 2019 figures. Verify in 2025.<\/div><\/center> \n <\/td>\n

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Coverage value depends on product type and rate environment; benchmark with J.D. Power 2024<\/a> and current quotes; see CPI life insurance index at BLS<\/a>.<\/div><\/center> \n <\/td>\n
\n
Review NAIC Complaint Index<\/a> for the specific issuing company; lower than 1.00 indicates fewer complaints than expected.<\/div><\/center> \n <\/td>\n
\n Term life
Whole life
Universal
Consider riders (ADB, chronic\/critical illness) and conversion features; availability varies \u2014 see NAIC<\/a>.<\/div>\n <\/td>\n
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\u2605<\/h2><\/a><\/center> \n <\/td>\n <\/tr>\n

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Prudential<\/center>\n <\/td>\n
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AM Best<\/a> | S&P<\/a> | Moody\u2019s<\/a> | Fitch<\/a><\/h3>
Confirm current insurer financial strength and outlooks; capture rating action dates.<\/div><\/center> \n <\/td>\n

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Assess value by product and rate conditions; reference J.D. Power 2024<\/a> and recent quotes; CPI trend via BLS<\/a>.<\/div><\/center> \n <\/td>\n
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Use NAIC Complaint Index<\/a> to compare against 1.00 market average; check claims handling notes where available.<\/div><\/center> \n <\/td>\n
\n Term life
Whole life
Universal
Many carriers now offer modular riders and accelerated underwriting in select bands \u2014 see NAIC overview<\/a>.<\/div>\n <\/td>\n
\n \n <\/td>\n <\/tr>\n
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Lincoln <\/center>\n <\/td>\n
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AM Best<\/a> | S&P<\/a> | Moody\u2019s<\/a> | Fitch<\/a><\/h3>
Publish symbol, category, and outlook; verify 2025 effective dates.<\/div><\/center> \n <\/td>\n

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Compare term vs. permanent pricing; use J.D. Power 2024<\/a> for satisfaction context and BLS CPI<\/a> for price trends since 2022.<\/div><\/center> \n <\/td>\n
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Review NAIC Complaint Index<\/a> by issuing entity; lower index = fewer complaints than expected.<\/div><\/center> \n <\/td>\n
\n Term life
Universal
Check living benefits and no-lapse guarantees where offered; features vary \u2014 NAIC guide<\/a>.<\/div>\n <\/td>\n
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\u2605<\/h2><\/a><\/center> \n <\/td>\n <\/tr>\n

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Mass Mutual<\/a>\u2020<\/center> \n <\/td>\n
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AM Best<\/a> | S&P<\/a> | Moody\u2019s<\/a> | Fitch<\/a><\/h3>
Use current FSRs with outlooks; confirm 2025 rating action dates.<\/div><\/center>\n <\/td>\n

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Whole life dividends and UL crediting reflect higher-rate era post\u20112022; benchmark experience with J.D. Power 2024<\/a> and quotes.<\/div><\/center> \n <\/td>\n
\n
Cross-check NAIC Complaint Index<\/a>; 1.00 \u2248 expected complaint level for the market.<\/div><\/center> \n <\/td>\n
\n Term life
Whole life
Universal
Confirm riders (ADB, LTC\/chronic illness) and conversion windows \u2014 NAIC<\/a>.<\/div>\n <\/td>\n
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\u2605<\/h2><\/a><\/center>\n <\/td>\n <\/tr>\n

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Transamerica<\/a>\u2020<\/center> \n <\/td>\n
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AM Best<\/a> | S&P<\/a> | Moody\u2019s<\/a> | Fitch<\/a><\/h3>
Pull current ratings and outlooks; verify dates in 2025.<\/div><\/center> \n <\/td>\n

\n
Term and final\u2011expense pricing reflect post\u20112022 trends; compare against market benchmarks and BLS CPI<\/a> and brand satisfaction (J.D. Power 2024<\/a>).<\/div><\/center> \n <\/td>\n
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Use NAIC CIS<\/a> to view complaint index vs. 1.00 average.<\/div><\/center> \n <\/td>\n
\n Term life
Whole life
Universal
Check simplified-issue options and rider availability; details vary \u2014 NAIC overview<\/a>.<\/div>\n <\/td>\n
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\u2605<\/h2><\/a><\/center> \n <\/td>\n <\/tr>\n

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John Hancock <\/center>\n <\/td>\n
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AM Best<\/a> | S&P<\/a> | Moody\u2019s<\/a> | Fitch<\/a><\/h3>
Confirm FSRs, categories, and outlooks from agency pages; note action dates.<\/div><\/center> \n <\/td>\n

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Wellness-linked features are growing industrywide; compare policy pricing and value alongside J.D. Power 2024<\/a> brand results and quotes.<\/div><\/center> \n <\/td>\n
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See NAIC Complaint Index<\/a> for issuing entity and latest year comparison (1.00 baseline).<\/div><\/center> \n <\/td>\n
\n Term life
Whole life
Universal
Rider menus and accelerated underwriting vary by state and age band \u2014 NAIC consumer page<\/a>.<\/div>\n <\/td>\n
\n \n <\/td>\n <\/tr>\n
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State Farm<\/a>\u2020<\/center> \n <\/td>\n
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AM Best<\/a> | S&P<\/a> | Moody\u2019s<\/a> | Fitch<\/a><\/h3>
Verify 2025 ratings and outlooks across agencies for the issuing entity.<\/div><\/center> \n <\/td>\n

\n
Customer value combines pricing and service; consult J.D. Power 2024<\/a> and compare live quotes across carriers.<\/div><\/center> \n <\/td>\n
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NAIC Complaint Index<\/a> below 1.00 indicates fewer complaints than expected; confirm latest year before purchase.<\/div><\/center> \n <\/td>\n
\n Term life
Whole life
Universal
Check conversion options, riders, and guaranteed elements in illustrations \u2014 NAIC guide<\/a>.<\/div>\n <\/td>\n
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\u2605<\/h2><\/a><\/center> \n <\/td>\n <\/tr>\n

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Securian <\/center>\n <\/td>\n
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AM Best<\/a> | S&P<\/a> | Moody\u2019s<\/a> | Fitch<\/a><\/h3>
Confirm current FSRs and outlooks; capture dates of last rating actions.<\/div><\/center> \n <\/td>\n

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Benchmark price\/coverage with J.D. Power 2024<\/a> and shop multiple quotes (pricing dispersion widened post\u20112022).<\/div><\/center> \n <\/td>\n
\n
Use NAIC CIS<\/a> to compare complaint index vs. 1.00 market average.<\/div><\/center> \n <\/td>\n
\n Term life
Whole life
Universal
Confirm available riders and accelerated underwriting eligibility \u2014 NAIC<\/a>.<\/div>\n <\/td>\n
\n \n <\/td>\n <\/tr>\n
\n
Guardian <\/center>\n <\/td>\n
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AM Best<\/a> | S&P<\/a> | Moody\u2019s<\/a> | Fitch<\/a><\/h3>
Use agency pages for current symbols and outlooks in 2025.<\/div><\/center> \n <\/td>\n

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WL dividend scales and UL crediting reflect higher rates; compare with J.D. Power 2024<\/a> and quotes to judge value.<\/div><\/center> \n <\/td>\n
\n
NAIC Complaint Index<\/a> provides complaint-normalized comparisons by issuer.<\/div><\/center> \n <\/td>\n
\n Term life
Whole life
Universal
Review riders, including accelerated death benefit and waiver of premium \u2014 NAIC<\/a>.<\/div>\n <\/td>\n
\n

\u2605<\/h2><\/a><\/center> \n <\/td>\n <\/tr>\n

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AIG <\/center>\n <\/td>\n
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AM Best<\/a> | S&P<\/a> | Moody\u2019s<\/a> | Fitch<\/a><\/h3>
Confirm current ratings for the policy\u2011issuing legal entity; note outlooks and dates.<\/div><\/center> \n <\/td>\n

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Coverage pricing varies by profile; compare carriers and reference J.D. Power 2024<\/a> for satisfaction context plus BLS CPI<\/a> trend.<\/div><\/center> \n <\/td>\n
\n
Review NAIC Complaint Index<\/a> for most recent year vs. 1.00 average.<\/div><\/center> \n <\/td>\n
\n Term life
Whole life
Universal
Check availability of simplified issue and riders in your state \u2014 NAIC guide<\/a>.<\/div>\n <\/td>\n
\n \n <\/td>\n <\/tr>\n
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Pacific Life <\/center>\n <\/td>\n
\n

AM Best<\/a> | S&P<\/a> | Moody\u2019s<\/a> | Fitch<\/a><\/h3>
Publish agency symbols and outlooks; confirm action dates in 2025.<\/div><\/center> \n <\/td>\n

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Permanent product crediting improved with higher rates; judge value with J.D. Power 2024<\/a> and current quotes.<\/div><\/center> \n <\/td>\n
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NAIC CIS<\/a> shows complaint index relative to market baseline 1.00.<\/div><\/center> \n <\/td>\n
\n Term life
Whole life
Universal
Confirm riders, guarantees, and illustration caveats \u2014 NAIC consumer guidance<\/a>.<\/div>\n <\/td>\n
\n \n <\/td>\n <\/tr>\n
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Nationwide <\/center>\n <\/td>\n
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AM Best<\/a> | S&P<\/a> | Moody\u2019s<\/a> | Fitch<\/a><\/h3>
Use current agency ratings and outlooks; verify effective dates.<\/div><\/center> \n <\/td>\n

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Assess coverage value via quotes and J.D. Power 2024<\/a>; pricing has generally firmed since 2022 for many mortality\u2011heavy lines (AM Best outlooks<\/a>).<\/div><\/center> \n <\/td>\n
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Consult NAIC Complaint Index<\/a> for latest year to compare service experience.<\/div><\/center> \n <\/td>\n
\n Term life
Whole life
Universal
Check no\u2011lapse guarantees and rider options where applicable \u2014 NAIC<\/a>.<\/div>\n <\/td>\n
\n \n <\/td>\n <\/tr>\n
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AXA <\/center>\n <\/td>\n
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AM Best<\/a> | S&P<\/a> | Moody\u2019s<\/a> | Fitch<\/a><\/h3>
Verify entity-specific ratings, categories, and outlooks; confirm latest action dates in 2025.<\/div><\/center> \n <\/td>\n

\n
Compare product pricing and features with market peers; reference J.D. Power 2024<\/a> for brand context and BLS CPI<\/a> for price trend.<\/div><\/center> \n <\/td>\n
\n
NAIC Complaint Index<\/a> provides normalized complaint comparisons vs. 1.00 average.<\/div><\/center> \n <\/td>\n
\n Term life
Whole life
Universal
Availability of riders and underwriting pathways differs by state and age \u2014 NAIC guide<\/a>.<\/div>\n <\/td>\n
\n \n <\/td>\n <\/tr>\n
\n
Midland National Life <\/center>\n <\/td>\n
\n

AM Best<\/a> | S&P<\/a> | Moody\u2019s<\/a> | Fitch<\/a><\/h3>
Pull current ratings from agency pages and note outlooks and dates (2025).<\/div><\/center> \n <\/td>\n

\n
Price\/coverage vary by profile; compare quotes and consider market trends since 2022 (BLS CPI<\/a>). Service perception via J.D. Power 2024<\/a> where applicable.<\/div><\/center> \n <\/td>\n
\n
Consult NAIC CIS<\/a> for latest complaint index by legal entity.<\/div><\/center> \n <\/td>\n
\n Term life
Whole life
Universal
Confirm riders and illustration assumptions; features vary \u2014 NAIC<\/a>.<\/div>\n <\/td>\n
\n \n <\/td>\n <\/tr>\n
\n
Protective Life <\/center>\n <\/td>\n
\n

AM Best<\/a> | S&P<\/a> | Moody\u2019s<\/a> | Fitch<\/a><\/h3>
Use agency pages for current ratings and outlooks; verify dates in 2025.<\/div><\/center> \n <\/td>\n

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Gauge affordability and features with fresh quotes and J.D. Power 2024<\/a>; term pricing generally firmed post\u20112022 (AM Best insights<\/a>).<\/div><\/center> \n <\/td>\n
\n
NAIC Complaint Index<\/a> helps compare service outcomes normalized for size (1.00 baseline).<\/div><\/center> \n <\/td>\n
\n Term life
Whole life
Universal
Verify conversion, no\u2011lapse guarantees, and riders \u2014 NAIC consumer guide<\/a>.<\/div>\n <\/td>\n
\n \n <\/td>\n <\/tr>\n
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Primerica <\/center>\n <\/td>\n
\n

AM Best<\/a> | S&P<\/a> | Moody\u2019s<\/a> | Fitch<\/a><\/h3>
Confirm FSRs and outlooks; note latest rating action dates (2025).<\/div><\/center> \n <\/td>\n

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Term-only carriers should be compared on price, conversion, and service; use quotes and J.D. Power 2024<\/a> for context; monitor CPI trend via BLS<\/a>.<\/div><\/center> \n <\/td>\n
\n
Review complaint experience at NAIC CIS<\/a> relative to 1.00 benchmark.<\/div><\/center> \n <\/td>\n
\n Term life
Check conversion options and issue ages; features vary \u2014 NAIC<\/a>.<\/div>\n <\/td>\n
\n \n <\/td>\n <\/tr>\n
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Mutual of Omaha <\/center>\n <\/td>\n
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AM Best<\/a> | S&P<\/a> | Moody\u2019s<\/a> | Fitch<\/a><\/h3>
Publish current agency ratings and outlooks; verify effective dates in 2025.<\/div><\/center> \n <\/td>\n

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Final\u2011expense and senior-focused pricing vary widely; compare quotes and review CPI and satisfaction context (J.D. Power 2024<\/a>).<\/div><\/center> \n <\/td>\n
\n
NAIC Complaint Index<\/a> helps assess service vs. market average (1.00).<\/div><\/center> \n <\/td>\n
\n Term life
Whole life
Universal
Check simplified issue, graded benefits, and riders \u2014 NAIC consumer page<\/a>.<\/div>\n <\/td>\n
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\u2605<\/h2><\/a><\/center> \n <\/td>\n <\/tr>\n

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TIAA Life<\/a>\u2020<\/center> \n <\/td>\n
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AM Best<\/a> | S&P<\/a> | Moody\u2019s<\/a> | Fitch<\/a><\/h3>
Retrieve current FSRs, categories, and outlooks; verify 2025 action dates.<\/div><\/center> \n <\/td>\n

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NR<\/h3>
Use J.D. Power 2024<\/a> for covered brands; otherwise compare quotes and features directly.<\/div><\/center> \n <\/td>\n

\n

NR<\/h3>
Check NAIC CIS<\/a> for complaint index by legal entity and latest year (1.00 baseline).<\/div><\/center> \n <\/td>\n

\n Term life
Universal
Confirm conversion and rider options; availability varies \u2014 NAIC<\/a>.<\/div>\n <\/td>\n
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\u2605<\/h2><\/a><\/center> \n <\/td>\n <\/tr>\n <\/tbody>\n <\/table>\n <\/div>\n \n <\/div>\n \n <\/div>\n<\/section>\n\n\n\n\n\n

*MetLife life insurance is primarily available through employer-sponsored group plans; individual retail options are limited. Confirm portability or conversion options with your benefits administrator.
\n\u2020Click these names for an in-depth review of the company\u2019s coverage and ratings. Agency financial strength ratings should be verified directly at AM Best<\/a>, S&P<\/a>, Moody\u2019s<\/a>, and Fitch<\/a> (include outlooks and latest action dates).
\n<\/em><\/font><\/p>\n\n <\/span>\n \n\n\n

What Do Life Insurance Ratings Mean for Me?<\/h2>\n\n\n\n

Financial strength ratings indicate an insurer\u2019s ability to meet policyholder obligations. In general, strong insurers carry at least A- from S&P\/Fitch<\/a>, A- from AM Best<\/a>, or A3 from Moody\u2019s<\/a>. These scales and categories (e.g., AM Best \u201cSuperior,\u201d S&P \u201cAA\u201d) are defined by the agencies themselves. Always confirm the issuing legal entity, the rating symbol, the outlook (Positive\/Stable\/Negative), and the date of the most recent action before you buy.<\/p>\n\n\n\n

Service quality is best gauged with two public indicators: the NAIC Complaint Index<\/a> (latest year; 1.00 \u2248 market average, lower is better) and brand-level satisfaction from the J.D. Power U.S. Individual Life Insurance Study (2024)<\/a>. Because experiences vary by product, channel, and agent, use these benchmarks as directional context alongside local feedback.<\/p>\n\n\n\n

Market leadership shifts over time. If you want \u201clargest by market share,\u201d use the most recent NAIC Life\/Fraternal Market Share<\/a> (U.S. direct premiums and considerations). For global scale, see AM Best\u2019s Largest Global Insurers<\/a>. Treat our table as a starting point and verify the latest details for the exact company issuing your policy.<\/p>\n\n\n\n <\/span>\n \n\n <\/span>\n \n\n\n

Our Life Insurance Rating System<\/h2>\n\n\n\n

We synthesize four-agency financial strength assessments \u2014 AM Best<\/a>, S&P Global Ratings<\/a>, Moody\u2019s<\/a>, and Fitch<\/a> \u2014 with consumer context from the NAIC Complaint Index<\/a> and the latest J.D. Power study (2024)<\/a>. Since 2019, accounting and regulatory changes \u2014 notably IFRS 17<\/a> and U.S. GAAP LDTI<\/a> \u2014 have changed how insurers report earnings and liabilities, which can influence how rating agencies assess risk. We convert these inputs into an easy side-by-side comparison and link to the primary sources so you can verify the latest data. Sources verified in 2025.<\/p>\n\n\n

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Financial strength ratings<\/h3><\/a>\n <\/span>\n <\/div>\n
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Financial strength ratings (FSRs) measure an insurer\u2019s ability to pay claims and meet obligations. The most used are: AM Best<\/a> (A++ to D), S&P Global Ratings<\/a> (AAA to D), Moody\u2019s<\/a> (Aaa to C), and Fitch<\/a> (AAA to C). Broadly, “strong” corresponds to AM Best A- and above; S&P\/Fitch A- and above; Moody\u2019s A3 and above. Always record the symbol, category name (e.g., “Superior,” “AA”), the outlook (Positive\/Stable\/Negative), and the date of the most recent rating action.<\/p>\n

Since 2022, higher interest rates, asset-liability duration considerations, and increased use of reinsurance have influenced agency views across the life\/annuity sector. IFRS 17 and LDTI<\/a> have also increased transparency around assumptions and earnings patterns, which agencies incorporate into ongoing assessments.<\/p>\n\n <\/div>\n <\/div>\n<\/div>\n\n\n\n

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Coverage and price ratings<\/h3><\/a>\n <\/span>\n <\/div>\n
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To judge coverage value and price, pair brand satisfaction from J.D. Power (2024)<\/a> with live quotes. Pricing has generally firmed since 2022 for many mortality-heavy lines due to mortality and reinsurance dynamics, while higher rates have supported credited rates and dividend scales in some permanent products. Track the CPI “life insurance” category for consumer price movement at the Bureau of Labor Statistics<\/a>. For sales and mix context, see the latest LIMRA releases (new annualized premium) and ratings-agency sector outlooks (AM Best news<\/a>). Remember: quotes vary by age, health class, face amount, term length, and product type.<\/p>\n\n <\/div>\n <\/div>\n<\/div>\n\n\n\n

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Customer service ratings<\/h3><\/a>\n <\/span>\n <\/div>\n
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Because interactions can be high-stakes (beneficiary claims, conversions, loans), benchmark service with two sources: the NAIC Consumer Complaint Index<\/a> (line-specific, latest annual index; 1.00 = as expected) and the J.D. Power U.S. Individual Life Insurance Study (2024)<\/a> for overall satisfaction. Use both at the issuing legal-entity and brand level, and remember local agent quality can vary.<\/p>\n\n <\/div>\n <\/div>\n<\/div>\n\n\n\n

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Policy offerings<\/h3><\/a>\n <\/span>\n <\/div>\n
\n

This column shows which core types a company offers (term, whole life, universal). When comparing, also consider indexed UL, variable UL (a securities product), guaranteed UL, simplified issue, and final expense where applicable. Review riders like accelerated death benefit, waiver of premium, and chronic\/critical illness, and confirm conversion options and no-lapse guarantees. For authoritative overviews, see NAIC consumer guidance on life insurance types and riders<\/a>, Insurance Information Institute on policy types<\/a>, and FINRA on variable life (prospectus, fees, risks)<\/a>.<\/p>\n\n <\/div>\n <\/div>\n<\/div>\n\n\n\n

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Featured on Reviews.com<\/h3><\/a>\n <\/span>\n <\/div>\n
\n

Companies with a \u201c\u2605\u201d in this column have been featured in one or more of our best life insurance reviews. Click any star to learn more about what makes that provider unique and see whether it might be a good fit for you. As you compare, verify current financial strength on the agency sites and check complaint indexes via NAIC CIS<\/a>.<\/p>\n\n <\/div>\n <\/div>\n<\/div>\n\n\n\n\n <\/span>\n \n\n <\/span>\n \n\n\n

Next Steps<\/h2>\n\n\n

How does life insurance work, anyway?<\/strong><\/p>\n